The phrase "laid by" can have several synonyms, depending on the context. In terms of money, it can be replaced with terms like "saved," "stored," or "put away." For instance, if you lay by money for a rainy day, you could use any of these synonyms to describe your action. Similarly, in gardening, another possible synonym for "laid by" could be "planted." For example, if you lay by seeds in your garden, you could say that you planted them. In general, the phrase "laid by" means to set aside or store something for future use or growth, and its synonyms can help to provide more clarity and precision in communication.